FAQ for ONEOS
Watch easy video tutorials on how to use the One OS application.
You need a One OS Mastercard Account to put money in the wallet for security, compliance and convenience. Partnering with an established bank like Sunrise Banks N.A. provides an added layer of security and insurance for your funds. Funds held in accounts with regulated banks are insured by the Federal Deposit Insurance Corporation (FDIC) up to a certain limit. This insurance protects your money in the unlikely event that the bank fails. Providing a virtual Mastercard account through a reputable bank, One OS not only complies with legal requirements but also offers you a secure and convenient way to manage your funds by seamless integration with various financial services, including topping up your account and connecting to wearables
Your funds are eligible for FDIC insurance. Your funds will be held at or transferred to Sunrise Banks N.A., an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event the Bank fails if specific deposit insurance requirements are met, and we have been able to verify your identity. See fdic.gov/deposit/deposits/prepaid.html for details.
The One OS Mastercard is issued by Sunrise Banks N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. This card may be used everywhere Debit Mastercard is accepted. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder Agreement.
There are no subscription fees to hold a One OS Mastercard account, however, other fees may apply. Please see terms and conditions for more detail information on additional fees https://oneos.com/card-holder-agreement/
Open the One OS the mobile application on iOS and Android and follow the on-screen instructions.
https://play.google.com/store/apps/details?id=com.wearatec
https://apps.apple.com/us/app/one-os/id6472438941
No. A bank account is not required to have a One OS Mastercard Account.
No. Cardholders may only set up an account for themselves. However, you can share wearables with others by adding more wearables and personalizing them with wearable cards.
No. If you attempt to setup an account with your business tax ID # (i.e. EIN), your enrollment will be denied.
No. The One OS Mastercard is for personal use only and is not available for businesses at this time.
Yes. We require you to provide a valid physical US address to setup a One OS Mastercard account. If you try to order a card with a PO Box or private mailbox, your enrollment will be denied. You may also be required to complete a manual verification process which will include, among other things, providing proof of identification.
You will be required to go through manual verification which will include, among other things, providing proof of your home address.
Toll-Free Customer Service Phone Number: 1-855-449-2273
By mail to One OS Mastercard, P.O. Box 700172, San Antonio, TX, 78270, or visit us at https://oneos.com/contact/
You must provide a valid US physical address and will be required to prove identification if you do not provide a social security number or ITIN during enrollment. If you have an SSN, it is required and will make enrollment much faster. There are no credit check for opening a One OS Mastercard.
Yes. Your spouse can enroll for a separate card with a separate account, you can use the same address if applicable.
No. Please do not share your address with somebody who does not live in the United States.
Unfortunately not. Each cardholder must have a verifiable address in the United States.
Once your enrollment is complete and validated, your One OS Mastercard Account will be available immediately for you to use. You can add funds into your account from; PayPal, Venmo, or from your personal bank account.
If your information can not be easily verified or you do not have a SSN or ITIN # we are required to request identification to verify that you are a real person.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions and their third parties to obtain, verify and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information. This allows us to identify you. We may also ask to see your driver’s license or other identifying documents.
Typically, we will ask for the following documents, however; based on the information request, we reserve the right to request/require additional identifying information at our discretion.
– Selfie Photograph – A selfie photograph is a photograph of your entire face taken while you are holding your valid, Government Issued Photo ID. A selfie photograph must be taken at arm’s length when requested and for the sole purpose of uploading. It is not a photograph taken for other purposes that you have stored on your computer.
– Valid Government Issued Photo Identification, such as: Driver’s License or State ID Card, Passport. Cannot be expired, cannot be voided.
You may have to try a few email addresses that you typically use. Contact us by calling 1-855-585-0684, or visit us at https://oneos.com/contact/
You can click on the “Forgot Password” link on My Account and then follow the steps to reset your password.
Note: Our customer service agents do not have access to your password. You can only reset it through your account.
You will be required to contact customer service at 1-855-449-2273, or by mail to One OS Mastercard, P.O. Box 700172, San Antonio, TX, 78270, or visit us at https://oneos.com/contact/
You can pay for merchandise with your wearable device everywhere Mastercard is accepted.
No. Currently, we do not allow the Routing and Account Numbers to be used to pay bills. These numbers are provided so that you can load funds to your card. A bill payment service is coming soon.
We ask that you load your card right away if your account is negative. If left negative, you run the risk of your account being deactivated and closed. For more information, please review your cardholder agreement https://oneos.com/card-holder-agreement/
Your card may decline due to insufficient funds. If the purchase is successful, you must reload the card as soon as possible or you may run the risk of your account being deactivated or closed. You can see all our fees here.
Yes. You will need your PIN to withdraw funds at an ATM. You can withdraw cash from your account at any ATM with contactless service.
No. However, you may be asked for a PIN from some merchants. You will set up your PIN when you activate your account. You can change it at any time by logging into your One OS account on your mobile, clicking on Manage Account, and then clicking on Change PIN. Do not share your PIN with anyone and do not write your PIN number on your wearable.
You can change it at any time by logging into your One OS account on your mobile, clicking on Manage Account, and then clicking on Change PIN. Do not share your PIN with anyone and do not write your PIN on your wearable.
Yes, there is a fee of $1.98 for all ATM Withdrawals. Third party ATM operators may also charge you a separate fee. Click here to see detailed fees.
No. You can check your balance on the mobile application One OS.
Yes. The card may be used everywhere Debit Mastercard is accepted, including for online purchases. Inside the wallet, select the wallet icon at the bottom right. From there, swipe to the card you want to see and <VIEW DETAILS> Then press <View Card Details> to show your card information to make online purchases.
If you do not have enough value loaded on your card you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or another card. These are called “split transactions.” Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. If you fail to inform the merchant that you would like to complete a split transaction before swiping your Card, your Card is likely to decline.
When making a return, you may be asked to show the cashier the card used to make the purchase. In this case, just use your device by tapping the payment terminal as you would a normal credit card. The value of the returned merchandise will be credited back to your wallet. Please refer to the individual merchant’s return policy. Please note: It typically takes 1-4 business days for a refund to show up in your wallet and it may take longer. If you feel that your refund is taking too long, please contact the merchant. One OS Mastercard does not see these transactions until the credit is received.
Yes! The One OS Mastercard can be used internationally. Some fees may apply, please check here for fee details.
There are no subscription fees or fees to make purchases. Some other fees such as foreign transaction fees may apply. Please check here for fee details.
There is no purchase fee or activation fee to obtain a card.
The maximum balance or value of your card may not exceed $15,000.00 at any time. Please refer to the card limits located in the Cardholder Agreement which outline the frequency and limitations of loads in a single day or additional time period, i.e. monthly.
Please refer to the card limits located in the Cardholder Agreement which outline the frequency and limitations of the total amount of purchases and cash withdrawals in a single day.
Please note retailers or ATM merchants may impose their own limit of the amount of funds unloaded in a single transaction or day.
Please refer to the card limits located in the Cardholder Agreement which outline the frequency and limitations of the total amount of purchases and cash withdrawals in a single day.
Please note retailers or ATM merchants may impose their own limit of the amount of funds unloaded in a single transaction or day.
Please refer to the card limits located in the Cardholder Agreement which outline the frequency and limitations of transfers.
Please refer to the card limits located in the Cardholder Agreement which outline the frequency and limitations of transfers.
See video tutorial on ways to load funds here https://oneos.com/user-guide/
You can load funds into your wallet by pressing the <LOAD MONEY> button when inside of your account balance screen, then follow the onscreen instructions. You can load funds from PayPal, Venmo or your bank account. You can also link these accounts to your wallet so you can setup “easy top-ups” and experience faster transfers
You may also add funds to your card in the following methods:
- Connect your bank account to your One OS Mastercard account for easy transfers and automatic top-ups
- Set up Direct Deposit with your employer or benefit provider by providing your routing number and 12-digit account number
- Transfer money from your bank account to your card account by using your routing number and 12-digit account number.
The maximum balance or value of your card may not exceed $15,000.00 at any time. Please refer to the card limits located in the Cardholder Agreement which outline the frequency and limitations of loads in a single day or additional time period, i.e. monthly.
Please note: retailers may have additional limits on the minimum amount or maximum amount you may load to your Card in a single transaction or day.
To link your checking or savings account navigate to your primary card and select <View Details> button. Then select <Bank Load> and follow the onscreen instructions.
No. We do not accept loads from bill pay services.
Load cash into your One OS Mastercard at retail location that supports one of the following networks: GeenDot @ the Register and Mastercard Repower. Third party fees apply.
It may take up to 7 business days to load funds from a linked bank account (this does not include Saturdays, Sundays, or Federal holidays). You may check with your bank to verify how long it will take.
No. Your linked bank account must be a personal account and you must be the account holder.
Yes, you can load funds from your PayPal account by using the One OS bank routing number and 12-digit account number to link your card as a bank account to PayPal. Follow the instruction on One OS the mobile application.
No, for privacy purposes, One OS Mastercard Customer Service representatives are not able to load funds or transfer payments for customers.
No, for privacy purposes, bank tellers are not able to load funds or transfer payments for customers.
This depends on the method used to load funds.
- Cash loads are typically available in real time. Keep your receipt until you verify that the cash was properly loaded onto your card.
- Direct Deposit from your employer or benefit provider is typically available on or before your designated payday.
- Federal Benefits are typically available on or before the day designated by the federal agency that sent the payment.
- Loads from a linked checking or savings account are available in 2-3 business days when initiated from your other bank’s website.
If you have any questions on funds availability, please Contact Customer Service here Contact us by calling 1-855-449-2273, by mail to One OS Mastercard, P.O. Box 700172, San Antonio, TX, 78270, or visit us at https://oneos.com/contact/
Cardholders can contact our customer service 24 hours a day, 7 days a week, 365 days a year. Contact options include phone, email, chat, or by mail.
Toll-Free Customer Service Phone Number: 1-855-449-2273 (Live agent service is available Monday through Friday, 8 a.m. to 8 p.m. EST, except holidays)
International Customer Service Phone Number: 1-855-449-2273
Email:cs@wearatec.com,
Chat: Click the Chat option found at the bottom of our website during live agent hours noted above.
Mailing Address: One OS Mastercard, P.O. Box 700172, San Antonio, TX, 78270
Yes. You can view and download your monthly e-statement by logging into your wallet and selecting <Manage Account>, then select the button <VIEW STATEMENTS>
YOU WILL NOT BE MAILED A PHYSICAL COPY OF THE STATEMENT
No. There is not a fee to Contact Customer Service 1-855-449-2273, by mail to One OS Mastercard, P.O. Box 700172, San Antonio, TX, 78270, or visit us at https://oneos.com/contact
You will have access to your previous statements for two years. If statements are needed beyond this timeline, please download them from your account onto hardware devices such as a laptop or desktop computer. Navigate to your wallet and select <Manage Account>, then select the button <VIEW STATEMENTS> and select the statement to view/download
Zero Liability means you may not be held responsible for unauthorized charges made with your card or account information. This means your funds are protected if your card is lost, stolen or fraudulently used, online or offline. Contact customer service immediately if you lose your card or notice unauthorized activity in your transaction history. More information can be found in the Cardholder Agreement.
Purchase protection is a feature that allows consumers to file a claim with the network on eligible damaged or stolen items for replacement, repair, or reimbursement. More information can be found here.
Cardholders traveling abroad can report cards lost or stolen or request emergency services from the card network. Restrictions apply. More information can be found here.
